Should I buy or lease a car?
看看我们的利弊清单，帮助你做出明智的决定.
There are many factors 这可能会影响到决定是租还是租 buy a car, truck or SUV. 首先要考虑的是你打算如何使用这辆新车. Is it an addition to your current fleet? Or is it replacing an older vehicle? 另一个需要考虑的因素是，这辆车是否会被用作日常通勤司机, 或者更有可能是我们都知道的“买菜的人”?
Then there's the vehicle for a new teen driver, or one headed off to college. These are often used car 购买，默认情况下，不一定是租赁选项.
在你开始寻找一辆新车或二手车、卡车或SUV之前，考虑一下这些问题.
In general, 有些人更喜欢租赁提供的便利，可以在一定时间后离开车辆. 不过，也有一些限制，比如租赁车辆的年行驶里程和磨损程度.
其他人则喜欢最终完全拥有汽车的想法. 有一天可以选择使用你购买的汽车的股权，这是有道理的, truck or SUV when you go to trade for a new one. Either way, your credit and budget will factor into this decision.
| Buying | Leasing | |
| Payments | Cash in full or monthly loan payment | Monthly for fixed time period |
| Ownership | Yours after loan is paid off | Dealer |
| Terms | Average loan term: 69 months | Average lease term: 36 months |
| Fees | No additional fees outside of up-front costs | 额外里程、定制、额外磨损、购买和/或清洁的额外费用 |
| Mileage | Unlimited mileage | Limited mileage |
| Customizing | Allowed | 允许，但必须恢复到可销售的条件和自定义的任何残余损坏必须在汽车返回之前固定 |
| Early Termination | 无提前终止费，可随时出售或交易汽车 | Early termination fee may apply |
Pros and cons of buying a car
Pros with buying
- Ability to customize the vehicle
- Flexibility to sell when you want
- Eventually you will be payment free
- Lower insurance premiums
- Can build equity
- Lower costs overall compared to leasing
Cons with buying
- Trade-in and selling hassles
- Higher maintenance costs
- Rapid depreciation: 10% to 20% each year
- Higher loan payments
Pros and cons of leasing a car
Pros with leasing
- 平均每月还款额低于汽车贷款
- Lower down payment
- 税收-不需要预先缴纳销售税，而且可能有商业用途的税收优惠
- Ability to drive a new car every few years
- 大多数维修都在工厂保修范围内
- 租赁可能包括定期维护，如换油
Cons with Leasing
- 有限的里程-通常每年12,500到15,000
- Early termination can be costly
- Potential penalties for general wear and tear
- 消耗品，如轮胎，不在租赁范围内
Some other important considerations
- How long do I want to keep the vehicle?
- How many miles do I drive annually?
- What is my monthly budget?
- Can I afford higher insurance premiums?
- Will my lifestyle choices, such as pets or children, affect the car's condition?
Calculate the difference
Use this lease vs buy calculator 来帮助你决定是租还是买一辆汽车、卡车还是SUV. Above all, avoid overextending yourself. 不管你最终是租还是买新车, 有太多的诱惑去买更多的车，而不是你真正能负担得起的. 制定一个明确的计划和预算，并坚持执行!
在你决定了什么是最适合你的购车选择之后，别忘了联系你的客户 State Farm® agent to insure your new car.
